Home credit loans with extortionate interest are a legalised form of loan sharking. People often turn to home credit due to poor credit history. This is then took full advantage of with extortionate interest rates. No amount of form signing, paperwork or telephone calls can disguise the fact that it essentially preying on the financially vulnerable, Also provident do not comply with any financial Ombudsman service recommendations or timescales regarding irresponsible lending. My complaint is still ongoing since september 2017 and im still waiting for a senior ombudsman to be allocated after provident rejected my adjudicators recommendations to redress interest ive paid. Awful company do your self a favour and stay well clear!